The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$4,364
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,500
−HK$138/mo
Today · 4.125%
HK$4,638
baseline
▲ 0.50% · 4.625%
HK$4,920
+HK$282/mo
Deposit HK$957K · loan HK$957K · min. income ≈ HK$9,276/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,855
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,986
−HK$132/mo
Today · 4.125%
HK$5,118
baseline
▲ 0.50% · 4.625%
HK$5,387
+HK$269/mo
Deposit HK$957K · loan HK$957K · min. income ≈ HK$10,236/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,237
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,400
−HK$166/mo
Today · 4.125%
HK$5,566
baseline
▲ 0.50% · 4.625%
HK$5,904
+HK$338/mo
Deposit HK$766K · loan HK$1.15M · min. income ≈ HK$11,132/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,826
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,983
−HK$158/mo
Today · 4.125%
HK$6,141
baseline
▲ 0.50% · 4.625%
HK$6,465
+HK$324/mo
Deposit HK$766K · loan HK$1.15M · min. income ≈ HK$12,282/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,110
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,300
−HK$193/mo
Today · 4.125%
HK$6,493
baseline
▲ 0.50% · 4.625%
HK$6,888
+HK$395/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$12,986/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,797
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,980
−HK$185/mo
Today · 4.125%
HK$7,165
baseline
▲ 0.50% · 4.625%
HK$7,542
+HK$377/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$14,330/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,856
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,100
−HK$249/mo
Today · 4.125%
HK$8,349
baseline
▲ 0.50% · 4.625%
HK$8,857
+HK$508/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,698/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,740
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,974
−HK$238/mo
Today · 4.125%
HK$9,212
baseline
▲ 0.50% · 4.625%
HK$9,697
+HK$485/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,424/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).